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The precursor of all fire insurance forms.

New York Standard Fire Policy (1943)


What were the three covered perils under the standard fire policy?

Fire, lightning, and removal


When was coverage effective under the standard fire policy?

Noon Standard Sign


What do dwelling fire policies cover?

Dwelling and personal property. (No liability)


Do dwelling fire policies require the property to be owner-occupied?



What are the 3 forms offered in the Dwelling '02 program?

1) Dwelling Property Basic Form (DP-00-01 aka DP1

2) Dwelling Property Broad Form (DO-00-02 aka DP2)

3) Dwelling Property Special Form (DP-00-03 aka DP3)


Which properties are not eligible for DP policies?

Structures with more than 4 units
Any structure used for a commercial or business purpose


What are the four coverages offered under a DP policy?

A dwelling
B other structures
C personal property
D rental value
*** E additional living expenses is included in DP2 and DP3. Can be added to DP1 by endorsement.


Are the four coverage parts in a DP policy included in a policy!

No. The insured may pick which coverages he or she desires.


Which peril form is used in a DP1 policy?

Specified peril. (Fire, lightning, internal explosion)


What does Coverage A cover on a DP1?

Dwelling principally used for residential purposes. Includes structures attached to the dwelling.

materials and supplies on or next to the location which are used to construct, alter, or repair the dwelling or other structures.

Anything used for servicing or maintenance of the described premises. (Lawn mower, range, fridge, storm doors, shutters, awnings)


What does coverage B cover on a DP1 policy?

Loss to (appurtenant) structures set apart from the dwelling by a clear space. (Detached garage, pools, cabanas)

Structures connects by only a fence, utility line, etc.


What is excluded on Coverage B of a DP1 policy?

Other structures used in whole or by part for commercial, manufacturing or farming purposes, or rented or held for rental to any person not a tenant of the dwelling, unless used solely as a private garage.


Damage to grave markers or mausoleums.


What is the maximum coverage that can be purchased for Coverage B on a DP1 policy?

10% of coverage A.


What does Coverage C of a DP1 policy cover?

Personal property owned or used by a named insured or resident family member while on the Insureds premises. Only covered when premium is paid for this coverage.

10% of contents limit for property away from premises.


What coverage is excluded under Coverage C of a DP1 policy?

Bills, currency, deeds, evidence of debt, credit cards, coins, bullion, gold, grave markers, manuscripts, money, passports, securities, silver, tickets, stamps, animals, birds, fish, aircraft, motor vehicles (except for those used to service property), watercraft (rowboats an canoes ARE covered), electronic data and discs, and credit card card or fund transfer cards


When an insured has a DP1 and moves to a new residence, how long does coverage c extend?

At least 30 days after the insured begins to move property there. (Does not extend beyond policy termination date)


What is covered by coverage D on a DP1?

FRV (fair rental value) minus expenses that do not continue (condo fee) when Property rented (held for rental) is uninhabitable.


What is the maximum coverage available under Coverage D on a DP1 policy?

20% of coverage A. Sometimes more can be purchased.


What coverages does a DP1 offer, outside of parts A-E?

Debris removal (in addition to limit A)

Improvements, alterations, additions. (If a tenant) 10% of C (contents) does not reduce limits on C

World- Wide coverage 10% of c. DOES reduce limit.

Reasonable repairs (to prevent further damage)

Property removed is covered for ANY CAUSE OF LOSS at any location due to a covered peril up to 5 days. Doesn't reduce limit of liability that applies. Also covers property in transit

Fire department service charges. Up to $500 for a NEIGHBORING FD to respond. Doesn't cover hometown.


Which perils are covered by a DP1?

Internal (inside house) explosion(except bursting pipes, electrical arcing, explsions of steam boilers/pipes, rupture of pressure relief devices); other perils - extended coverages EC and vandalism can be added.


What are the 8 extended coverage perils covered by a DP1?

Hail or windstorm, aircraft, riot, vehicle damage (others' vehicle damaging your property), volcanic eruption, smoke, explosion (VWSHAVER)


The insured purchased EC under a DP1 policy. Is smoke caused by a fire burning in the fireplace covered?

No. It must be due to a hostile fire.


What does vandalism and malicious mischief cover?

Willful and malicious damage to or destruction of covered property. Does not cover glass breakage or loss by theft. The property can't be vacant note than 60 days. A dwelling under construction is considered vacant.


Which perils are not covered by a DP1 policy?

Earth movement, neglect,flood, sewer, or drain backup, sump overflow, war or nuclear hazards, theft, intentional destruction by the insured, damage from bursting pipes, loss due to ordinance and law, damage due to latent defect, rust, inherent vice, wear and tear or dry rot, or damage caused by insects, birds, or rodents.


What kind of property is not covered by a DP1?

Motor vehicles (snowmobiles, atvs, golf carts)



Animals, birds, fish


Trees shrubs plants




Pavement (caused by weight of ice, snow sleet - wind-driven, or not)


How are property losses under a DP1 settled?



What are the broad form perils? DP-02

B-Burglary Damage
I-Ice and snow wenight
G-Glass breakage
A-Accidental discharge or overflow of water or steam
F-Falling objects
F-Freezing of pipes
E-Electrical damage
T-Tearing apart, cracking, burning or bulging


Which perils are covered by a DP-2 Form?

2) Lightning
3) V&MM
4) (EC) Coverages:
Windstorm (exclusions: awnings, signs, anttenas, rowboats, canoes)
Civil Commotion
Smoke (except agricultural smudging, industrial operation) 2002 form damage caused by puffback was included
Volcanic Eruption (one reruption = 72 hours ... earthquake isn't covered)

5)Burglary Damage
6) Weight of Ice Snow or Sleet (except: awnings, fences, patios, pavement, pools, foundations, retaining walls, bulkheads, wharfs, docks, piers
7) Glass breakage (as long as not vacant for 60 days)
8) Accidental discharge (doesn't cover repeated seepage, vacant 60 days)
9) Falling objects (excludes: antennas(and wiring), masts, towers, outdoor equipment, awning, and fences, damage to falling object)
10) freezing (reasonable care must be used to make sure heat maintained, water drained)
11) Electrical damage (artificially generated (except: tubes, transistors, similar electrical components)
12) Collapse caused by (Perils insured agains, hidden decay, hidden vermin/insect, weight of contents, weight of rain, defective materials when building. DOES NOT INCLUDE settling, cracking, shrinking, bulging, expansion of a building. Items not covered: awnings, patios/pools, pipes, flues, drains, septic, foundations, retaining wlals, docks
13) Tearing apart, cracking, burning, or bulging


Which perils are covered under a DP-3 (special) form?

Open perils for real property (dwelling) except the exclusions
Named Perils for contents (Same perils as DP-2)